Breaking news) Nationwide insurance company dishwashing begins

[Exclusive] 1. Second generation actual loss insurance subscribers
Plan to reduce benefits for 16 million people
Government encourages people to cancel existing insurance and switch to a new product
Reporter Kang Da-eun
Entered 2025.01.04. 05.02
The government through the actual cost insurance reform plan 1. 2nd generation actual loss insurance resale
It was announced on the 3rd that I decided to participate in the entrance exam in 2017.
You can sign up only until March 1. The second generation actual loss insurance was launched later.
Compared to 3rd and 4th generation insurance, the benefits are greater and renewal is not necessary.
The following are cited as factors contributing to the increase in medical expenses:
Actual loss insurance by subscription period
1st generation
Late second generation,
Early 2nd generation
3 4th generation
subscriber
15.82 million people
19.96 million people
out of pocket
0~20%
10~309
Insurance premium renewal
1 to 5 years
1 year
Re-enrollment cycle
doesn’t exist
5-15 years
Graphics – Yang Jin-kyung
Main contents of the government’s non-benefit insurance reform plan
Non-benefit reform under the jurisdiction of the Ministry of Health and Welfare
‘Management salary’ newly established
Policy to set a unified price for expensive non-reimbursed products
Parallel treatment benefit restrictions
If you receive it together with non-covered treatment, you can even surrender benefits.
100% your own expense
Non-benefit reassessment
Withdrawal from medical items due to lack of safety assurance
Under the jurisdiction of the Geumwoom Committee on Actual Insurance Reorganization
Same application of actual cost insurance and health insurance burden
If the health insurance out-of-pocket cost is 9 to 9, actual loss insurance is provided.
Self-payment 90%
Non-critical coverage limit reduction
Non-serious disease coverage limit: KRW 5 million (current) – KRW 10 million
Outpatient treatment is covered up to 200,000 won per day.
Non-benefit management for teenagers – expansion of subscription age
Create and manage the top 10 non-benefit items with the highest number of actual loss claims
The upper age limit for actual loss subscription is 75 (current).
9O years old
Changes in emergency room use costs for mild patients at large hospitals
Total medical expenses: KRW 10,000 Home Use of emergency rooms at large hospitals for mildly ill patients: 90%
Of the 1 million won in medical expenses, the National Health Insurance Corporation
Pay 100,000 won to the hospital and the remaining 900,000 won
The patient has to pay
today
Actual cost insurance is 8,096 (720,000 won) out of 90,000 won.
Returning to the patient
Patient pays final cost of 180,000 won
Actual loss insurance coverage rate limit
After reorganization
Of the 90,000 won out-of-pocket expenses, only 10.96 (90,000 won)
The insurance company is returning
Patient pays final cost of 80,000 won

Answer A
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